Acura ILX Insurance Rates
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UPDATED: Jun 27, 2022
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The best way to find a quality Acura ILX insurance policy is by doing your homework. Nobody ever wants to find themselves wondering why their rates increased, so understanding how insurance rates are calculated for the Acura ILX will provide you with the right foundation you need.
This comprehensive guide will help you on your journey to securing the right Acura ILX insurance policy. You will learn about the size and class of the Acura ILX, how liability rates are determined, safety features of the Acura ILX, the MSRP of the Acura ILX, and general repair estimates.
Once you are ready to start comparing quotes for free, use our online tool to get free quotes from some of the industry’s top providers.
Average insurance rates for an Acura ILX are $1,434 a year for full coverage. Comprehensive costs on average $308 a year, collision costs $552, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $3,106. Teen drivers receive the highest rates at $5,342 a year or more.
Average premium for full coverage: $1,434
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and ILX trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $474 for only liability insurance to a high of $3,106 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Insurance Rate Analysis
The chart below shows estimated Acura ILX insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $823
- Drivers who choose higher $1,000 deductibles will pay around $1,240 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,434
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,814
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,106 or more
- The cost for full coverage for a teen driver may cost $5,342 a year
for an Acura ILX can also vary considerably based on your driver profile, the trim level of your ILX, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,300 a year. View Rates by Age
Where you live makes a big difference in Acura ILX insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,050 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $580 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2019 Acura ILX||$308||$552||$416||$1,434|
|2015 Acura ILX||$260||$446||$456||$1,320|
Rates are averaged for all Acura ILX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Acura ILX Insurance
Saving money on Acura ILX insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $575 each year
- Drivers can save as much as $170 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $460 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $445 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,670 more each year for insurance
Now that you have a better idea of how Acura ILX insurance rates can vary based on the profile of the driver, we are going to examine the profile of the Acura ILX itself. Just as the portrait of the driver makes a difference, the same can be said for the car you drive because no two models are exactly the same.
How does the size and class of the Acura ILX affect liability rates?
Every insurance policy starts with a basic foundation called liability auto insurance. Every state requires a minimum amount of liability coverage for each registered driver so they can be held responsible for any damages they might cause.
One of the ways liability rates are calculated is by examining the size and class of a particular model and seeing how it stacks up against other similar vehicles.
The Insurance Institute for Highway Safety (IIHS) classifies the Acura ILX as a small car. Therefore, liability rates for the Acura ILX are calculated based on how well the Acura ILX performs against similar models like the Ford Focus or Honda Civic.
Research from the IIHS shows that the Acura ILX reflects a bodily injury liability loss ratio of -5 percent and a property damage liability loss ratio of -2 percent. Both of these loss percentages mean that the Acura ILX performs better than average for this size and class.
What does liability insurance cost for an Acura ILX?
Bodily injury liability insurance pays for things like medical expenses and lost wages for the other party after an accident that is your fault.
The following general quotes will show a breakdown of how much bodily injury liability costs for the Acura ILX from low to high coverage.
- Low ($25,000): $82.27
- Medium ($50,000): $107.73
- High ($100,000): $125.29
Property damage insurance is the second form of liability coverage you are required to carry. This pays for any damages sustained to the other party’s property, including their vehicle.
Let’s take a look at the following general rates for property damage liability insurance for the Acura ILX based on the level of coverage you wish to receive.
- Low ($25,000): $189.27
- Medium ($50,000): $191.69
- High ($100,000): $190.91
This data suggests that bodily injury rates for the Acura ILX vary much more than property damage rates. Ultimately, it’s your decision as to how much money you want to be insured for in the event of an accident.
What are the safety features and ratings of the Acura ILX?
Equipping a vehicle with functioning safety features is of paramount importance for the driver and passengers inside.
Having working safety features can often be the difference between life and death, and the Acura ILX has plenty to make you feel secure behind the wheel.
Take a look at the following list of safety features for the Acura ILX with information sourced from AutoBlog.com.
- Anti-Lock Brakes
- Stability Control
- Front-Impact Airbags
- Side-Impact Airbags
- Overhead Airbags
- Anti-Theft Security
While these Acura ILX safety features will do a lot to keep you safe behind the wheel, insurance rates for the Acura ILX are still tied to every model that belongs to the small car class.
The IIHS reports that out of 7,965,422 registered small cars, a total of 427 deaths have been reported for the class. Broken down, that is a fatality rate of 54 per one million registered drivers who own a vehicle similar to the Acura ILX.
Point of impact also plays a big role in how fatal a crash can turn out to be. Take a look at the following data to see which types of crashes are more fatal than others.
- Frontal Impact: 7,433 deaths
- Side Impact: 3,568 deaths
- Rear Impact: 834 deaths
- Other (mostly rollovers): 1,303 deaths
What is the MSRP of the Acura ILX?
The Manufacturer’s Suggested Retail Price (MSRP) is used to determine a fair purchasing price for any particular model.
Kelley Blue Book (KBB) reports that the MSRP for the base-level 2020 Nissan NV200 is $26,925, with a fair market value range between $22,570 to $25,269.
If you wish to protect your Acura ILX, you will need to purchase full coverage. Two of the most basic forms of full insurance coverage are called collision and comprehensive insurance.
- Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
- Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.
The best way to find out if full coverage on the Acura ILX is by examining the model’s loss percentages. Data reported from the IIHS suggests that the Acura ILX has a collision loss ratio of 3 percent and a comprehensive loss ratio of -14 percent.
How much will it cost to repair my Acura ILX?
If you want your Acura ILX to remain in good-driving condition, keeping up with regularly scheduled maintenance appointments and repairing parts is absolutely necessary.
Some years might be more expensive than others but when you combine them together, experts from RepairPal report that the annual cost of maintenance for the Acura ILX is $435.
In the event that your vehicle needs new parts, some of the Acura ILX’s components are more expensive than others. Take a look at the following general quotes from YourMechanic.com that shows how much vehicle maintenance costs on the Acura ILX.
- Strut Assembly Replacement: $463
- Brake Caliper Replacement: $304
- Axle / Shaft Assembly Replacement: $295
- Spark Plug Replacement: $283
- Control Arm Assembly Replacement: $272
- Drive Belt Tensioner Replacement: $221
- Car Battery Replacement: $206
- Oil Pressure Sensor Replacement: $112
We have gone into a lot of detail about how Acura ILX insurance rates are determined by both the profile of the driver and the car. Is there anything we might have missed that you would like to know more about? If not, use our free online tool to start comparing quotes today.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$106|
|5-yr Claim Free||$93|
|Paid in Full/EFT||$66|
Discounts are estimated and may not be available from every company or in every state.